Cheapest Car Insurance in Utah for 2026

fact checked icon

Updated: August 1, 2026

Advertising & Editorial Disclosure

GEICO offers the cheapest car insurance in Utah at $84 a month for full coverage and $43 a month for minimum coverage. GEICO leads every one of Utah's 20 most populous cities for minimum coverage and prices lowest after a speeding ticket ($110 a month) and an at-fault accident ($147 a month). Drivers who need the lowest rate across most profiles will find GEICO at the top of every table.

The exception is seniors and drivers with a DUI, where Progressive is cheapest at $99 and $124 a month. To compare how each company scores on customer service, claims handling and coverage options, see the best car insurance in Utah.

Minimum Coverage

GEICO

$43
4.65/5

Full Coverage

GEICO

$84
4.65/5

Teen Drivers

Auto Owners
$404
4.74/5

Young Adults

GEICO

$86
4.65/5

Senior Driver

Progressive
$99
4.53/5

Speeding Ticket

GEICO

$110
4.65/5

At-Fault Accident

GEICO

$147
4.65/5

DUI

Progressive
$124
4.53/5

Bad Credit

Kemper
$190
3.51/5

Texting While Driving

Auto Owners

$92

4.58/5

GEICO

GEICO

Best Cheap Car Insurance for Full Coverage in Utah

No other insurer in Utah matches GEICO on price at either coverage level ($43 a month for minimum, $84 for full). Drivers on a minimum coverage budget can lower that $43 rate further through discounts for safe driving, vehicle safety features and military service. GEICO offers more discount categories than most major insurers, so the listed rate is rarely what you end up paying. For drivers on a full coverage policy who want to customize their protection, GEICO has one of the widest selections of optional coverages in Utah, from roadside assistance and rental reimbursement to rideshare coverage. Rates, scores and coverage details are at the GEICO car insurance review.

Cheapest Car Insurance by Coverage Type in Utah

GEICO

$43
$84
4.65/5
Auto Owners
$51
$92
4.74/5
Progressive
$66
$99
4.53/5
Nationwide
$75
$129
4.24/5
Allstate
$77
$132
4.11/5

Cheapest Minimum Coverage in Utah

GEICO is the cheapest option for minimum coverage in Utah at $43 a month. Because Utah is a no-fault state, minimum coverage already includes PIP, which pays your own medical bills after an accident regardless of who caused it. What it doesn't cover is damage to your vehicle. Drivers who own an older car and want to stay legal at the lowest possible cost should quote GEICO first.

Cheapest Full Coverage in Utah

GEICO's full coverage rate of $84 a month is the cheapest in Utah. Auto-Owners at $92 is the only carrier within $10 of it. Full coverage adds collision and comprehensive on top of your base policy, so your car is covered for damage and theft regardless of fault. Drivers with a financed or newer vehicle will find that GEICO gives them that protection at the lowest available rate. If you file claims regularly and want a stronger service record, Auto-Owners at $8 more a month is the only carrier that competes on both price and score.

How to Choose Between Minimum and Full Coverage in Utah

Minimum coverage is the right call for drivers whose car is worth less than $6,000 and who aren't making loan or lease payments on it. At that value, the $41 monthly cost of full coverage adds up to $492 a year, which may be more than it's worth to insure the car. Full coverage makes sense for drivers with a financed or leased vehicle, or anyone whose car is worth enough that a total loss would leave a large gap in their finances. Determine how much car insurance you need before selecting coverage.

Cheapest Car Insurance for Teens and Young Adults in Utah

Auto-Owners is the cheapest insurer for 16-year-olds in Utah at $404 a month for both male and female drivers. At 19, Progressive becomes the most affordable option at $221 a month for males and $241 for females. At 21, GEICO takes over at $150 for males and $161 for females and holds that position through 25. Getting new quotes at 19 and again at 21 captures both drops. A driver who stays on Auto-Owners past 18 pays above-market rates for up to six years. Switch companies when the cheaper carrier takes over, not at a milestone birthday.

16

Auto Owners
$404
Auto Owners
$404
4.58/5

17

Auto Owners
$357
Auto Owners
$357
4.58/5

18

Auto Owners
$311
Auto Owners
$311
4.58/5

19

Progressive
$241
Progressive
$221
3.90/5

20

Progressive
$215
Progressive
$197
3.90/5

21

GEICO

$161
Geico
$150
3.65/5

22

GEICO

$146
Geico
$135
3.65/5

23

GEICO

$108
Geico
$101
3.65/5

24

GEICO

$103
Geico
$96
3.65/5

25

GEICO

$92
Geico
$86
3.65/5
Auto-Owners

Auto-Owners

Best Cheap Car Insurance for Teens and Young Adults in Utah

Auto-Owners is the cheapest insurer for teen drivers in Utah from age 16 through 18 at $404 a month, the lowest rate available for that age group. Auto-Owners sells exclusively through local independent agents, which means when your teen has an accident, you have a dedicated agent managing the claim rather than a call center queue. It also offers a good student discount and a teen driver monitoring discount through a GPS device or smartphone app, giving families two concrete ways to bring the rate down from day one. A full overview of Auto-Owners' coverage and ratings is at its Auto-Owners car insurance review.

Cheapest Car Insurance for Seniors in Utah

Progressive is the cheapest insurer for Utah seniors at $99 a month, with Auto-Owners at $103 and GEICO at $104 close behind. Low-mileage seniors can lower the $99 rate further through Progressive Snapshot, where participants save an average of $322 a year at renewal. Note that 20% or more of Snapshot participants see their rate increase at renewal, so compare your renewal quote against your current rate before committing.

Progressive
$99
3.90/5
Auto Owners
$103
4.58/5
Geico
$104
3.65/5
Allstate
$141
3.56/5
Nationwide
$143
3.60/5

Cheapest Car Insurance by City in Utah

GEICO offers the cheapest minimum coverage rates in all 20 of Utah's most populous cities, so it's the first insurer worth quoting no matter where you live in the state. The rate varies by $18 a month depending on your city, from $44 in Logan to $62 in West Valley City. Your city doesn't change which carrier is cheapest. It changes what GEICO charges.

Logan
Geico
$44
St. George
Geico
$46
Layton
Geico
$48
Clearfield
Geico
$49
Draper
Geico
$50
Ogden
Geico
$50
Sandy
Geico
$50
Lehi
Geico
$53
Orem
Geico
$53
Riverton
Geico
$53

Salt Lake City

Geico
$53
Bountiful
Geico
$54
South Jordan
Geico
$54
Eagle Mountain
Geico
$55
Herriman
Geico
$55
Taylorsville
Geico
$55

Provo

Geico
$56
Murray
Geico
$57
West Jordan
Geico
$57
West Valley City
Geico
$62

Cheapest Car Insurance for High-Risk Drivers in Utah

For drivers with a DUI in Utah, Progressive is the cheapest option at $124 a month. For speeding tickets, GEICO is the cheapest at $110 a month. The two violations have different cheapest carriers, so quote the right one based on what's on your record. Utah requires an SR-22 filing after a DUI, maintained for three years from the reinstatement date. Progressive files the SR-22 directly with the state as part of your policy. Utah's DUI surcharge can apply for up to 10 years, so get new quotes 30 days before the surcharge window closes to capture Progressive's lower base rate. Drivers who need non-owner SR-22 insurance can find options at MoneyGeek's SR-22 guide for Utah.

Drivers with poor credit pay $190 a month through Kemper, a carrier that specializes in high-risk drivers and prices below every other insurer in Utah for this profile. Kemper's 1.98/5 customer experience score is the lowest of any carrier in Utah's tables, which means complaints about claims handling are common. Treat it as a temporary option. Once your credit score improves, get new quotes at GEICO.

Speeding Ticket
Geico
$110
3.65/5
At-Fault Accident
Geico
$147
3.65/5
DUI
Progressive
$124
3.90/5
Texting While Driving
Auto Owners
$92
4.58/5
Poor Credit
Kemper
$190
1.98/5

How to Get Cheaper Car Insurance in Utah

In Utah, your carrier matters more than your coverage level. Switching from Allstate to GEICO for full coverage saves $48 a month. Dropping from full to minimum coverage at GEICO saves another $41. The six steps below cover both.

  1. 1
    Compare at least three Utah insurers and save $48 per month

    The carrier you choose matters more in Utah than in most states. GEICO and Allstate cover the same driver for the same coverage, but Allstate charges $48 more a month. That's $576 a year for no additional protection. Start with GEICO, Progressive and Auto-Owners, and don't auto-renew without checking at least two other quotes first.

  2. 2
    Match coverage to your vehicle's value and save $41 per month

    If your car is worth less than $6,000, paying $84 a month for full coverage may cost you more over time than a total-loss payout would return. Dropping to minimum coverage saves $41 a month, or $492 a year. Use the Utah car insurance calculator to see where your vehicle's value falls relative to that threshold.

  3. 3
    Bundle home and auto insurance

    If you have both home and auto insurance, placing them with the same carrier usually gets you a discount on both. GEICO, Auto-Owners and Progressive all offer bundle discounts in Utah. Ask for a combined quote before renewing either policy on its own.

  4. 4
    Get new quotes when your violation ages off and recover $63 per month

    Insurers don't automatically lower your rate when a surcharge expires. You have to ask for new quotes. After an at-fault accident, that surcharge typically clears in three to five years. At GEICO, that's worth $63 a month. Mark the date and get new quotes 30 days before it drops off.

  5. 5
    Improve your credit score before renewal and recover $106 per month

    The gap between poor credit and good credit costs Utah drivers up to $106 a month. That's the difference between Kemper's $190 poor-credit rate and GEICO's $84 good-credit rate. Utah law limits how insurers can use credit, so improving your score has a direct effect on your rate at renewal. Consistent on-time payments and lower credit card balances can move a score from poor to good within 12 to 24 months for most drivers.

  6. 6
    Use a telematics discount with GEICO or Progressive

    Both GEICO and Progressive track your driving and adjust your rate based on what they find. If you have a clean record and drive mostly during off-peak hours, these programs can lower what you pay. The risk is real though. Hard braking and phone use are penalized heavily, and 20% or more of participants end up paying more after the monitoring period. Check your results before your renewal date.

    • GEICO: DriveEasy tracks your driving through your smartphone for 91 days. Hard braking and phone use carry the highest penalty weight.
    • Progressive: Snapshot participants save an average of $322 a year at renewal. Results vary by driving profile, so review your score before the period ends.
    • Auto-Owners: Auto-Owners does not offer a telematics program, but does provide multi-policy and loyalty discounts. Ask your agent what's available on your policy.

Rates for this analysis come from Quadrant Information Services (data as of 2025), based on insurance filing records across all residential ZIP codes in Utah. Carriers are required to file rates with the Utah Insurance Department before charging them, so these figures reflect actual filed rates rather than online quote estimates.

The baseline driver profile is a 40-year-old male with a 2012 Toyota Camry LE, a clean driving record, good credit, and 12,000 miles driven annually. Full coverage is 100/300/100 liability with a $1,000 deductible. Minimum coverage is Utah's required 30/65/25 liability plus $3,000 personal injury protection, effective January 1, 2025, under HB 113.

Profile variations include young drivers ages 16 to 25 on standalone policies (split by gender, since Utah permits gender as a rating factor), seniors at age 70, drivers with one violation on record (speeding, at-fault accident, DUI, or texting), and drivers with poor credit. Under Utah Code § 31A-22-320, insurers may use credit information only to provide discounts, not to surcharge rates. USAA is excluded from all tables; eligible military members and their families should include it in any quote comparison.

MoneyGeek scores carriers on affordability (60%), customer experience (30%), and coverage options (10%). Affordability reflects normalized rates within each driver profile. Customer experience draws from J.D. Power survey results, NAIC complaint data, AM Best financial strength ratings, agent network ratings, and Google Business ratings. Coverage options reflect the breadth and quality of available add-ons. Kemper appears in the bad credit table as a nonstandard high-risk carrier.

Uninsured driver prevalence figures are sourced from the Insurance Research Council (IRC).

About Mark Fitzpatrick

Mark Fitzpatrick, Licensed P&C Insurance Expert, MoneyGeek

Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the market, first at LendingTree and now at MoneyGeek, where he analyzes hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.

Mark studied at Boston College before earning a master's in economics and international relations from Johns Hopkins University. Before MoneyGeek, he worked in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.

Read Full Bio »
Sources